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Home owners insurance is your
safety net if you experience something catastrophic, such as
a flood, earthquake, or fire. Research online to obtain a
homeowners insurance quote if you haven't purchased
insurance.
In addition, create an inventory of your home's items for
insurance purposes. If you don't have a list of all your
important possessions in a safe location, it will be
difficult – if not impossible – to make a legitimate claim.
It's not too difficult to put together a home inventory.
Just follow these steps:
 Go room-by-room and write down the important items
in each location. If you can, take pictures of the more
important items using either a still or video camera. Some
families are very meticulous and take note of everything in
the room, while other simply take a picture of the entire
space with more valuable items on display. Include a family
member in the picture to make ownership of the items
obvious.
 Record a description of each item, and mark down
manufacturer or brand, and serial numbers. Also keep
receipts and appraisals on hand for more expensive
possessions.
 Don't forget to note down anything that would be
expensive to replace, including pots and pans, garden tools,
and linen. Look in your closets and dresser drawers, garage,
basement, and attic for valuables.
 Important documents also need to be placed in a
location for safekeeping. Make photocopies of documents such
as recent tax returns, house title and deed, birth
certificates, credit card papers, and banking statements.
 Open a safe deposit box to store the inventory
list and your documents.
What to list
(Air conditioner) (Coffee maker) (Dishwasher) (Dryer)
(Freezer)
(Hair dryer) (Lamp) (Microwave oven) (Oven) (Refrigerator)
(Sewing machine) (Stove) (Television) (Telephone) (Toaster
oven)
(Vacuum cleaner) (VCR) (Washing machine) (Paintings)
(Photographs) (Posters) (Clothing) (Accessories) (Belts)
(Boots) (Coats) (Dresses) (Fur) (Gloves) (Jackets) (Pants)
(Pajamas)
(Scarves) (Shirts) (Shoes) (Suits) (Sweaters) (Ties)
(Uniforms)
(Underwear) (CD player) (Cell phone) (Clock radio)
(Computer)
(Digital camera) (DVD player) (Printer) (Radio)
(Speakers) (Stereo) (Books) (Games) (Instruments) (Records)
(Tapes) (Toys) (Videogame station) (Videogames)
(Floor/Window Treatments) (Blinds) (Carpet) (Drapes)
(Hardwood) (Linoleum) (Rug) (Shutters) (Tile) (Armoire)
(Bar) (Bed headboard) (Bookshelf) (Box-spring) (Buffet)
(Cabinets) (Chair) (Chest) (Coffee table) (Couch) (Desk)
(Dresser) (End table) (Futon) (Hutch) (Loveseat)
(Nightstand)
(Pool table) (Recliner) (Side table) (Kitchenware)
(Outdoor items) (Jewelry) (Car) |
